Bank of Madison
Total assets
$448.1M
▲ +3.0% YoY
Deposits
$398.1M
▲ +1.8% YoY
Loans
$321.9M
▲ +7.3% YoY
Offices
4
MADISON BANK CORP
ROA (annualized)
1.88%
peers 1.24%
ROE (annualized)
18.56%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Bank of Madison | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.2 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 1.88% | 1.24% | +0.6 pts |
| ROE | 18.6% | 11.9% | +6.7 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
Profile
- Established
- 1890
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MADISON BANK CORP
- Specialization
- Commercial Lending Specialization
- Address
- 133 N Main St, Madison, GA, 30650
- County
- Morgan
- Metro area
- Atlanta-Sandy Springs-Alpharetta, GA
- Offices
- 4
- FDIC cert #
- 148
- RSSD ID
- 752831
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $448.1M | $398.1M | $321.9M | $46.4M | $4.1M | 1.88% | 4.50% | 0.01% |
| Q1 2026 | $449.1M | $400.8M | $314.0M | $44.6M | $2.2M | 2.01% | 4.48% | 0.01% |
| Q4 2025 | $426.3M | $379.7M | $315.2M | $42.9M | $6.7M | 1.58% | 4.31% | 0.02% |
| Q3 2025 | $433.1M | $385.3M | $303.5M | $42.9M | $5.0M | 1.56% | 4.19% | 0.04% |
| Q2 2025 | $435.2M | $391.1M | $300.1M | $39.7M | $3.0M | 1.43% | 4.10% | 0.17% |
| Q1 2025 | $432.0M | $389.1M | $293.7M | $38.6M | $1.5M | 1.48% | 4.02% | 0.17% |
| Q4 2024 | $399.1M | $358.9M | $290.9M | $36.3M | $5.4M | 1.32% | 4.02% | 0.19% |
| Q3 2024 | $415.5M | $372.0M | $292.2M | $38.7M | $4.0M | 1.30% | 3.93% | 0.27% |
Loan mix (Q2 2026): real estate $309.9M · commercial $13.6M · consumer $1.1M · securities $75.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Bank of Madison | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.96% | 78th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.5% | 62.9% | 10th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank of Madison | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank of Madison | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank of Madison | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank of Madison | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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